| If you are in business then you need public liability insurance. In running a business anything can happen; a visitor could trip and injure themselves on your premises or you could injure someone in the course of carrying out your work. You may equally cause damage to a client's property while carrying out your work. In each case, having public liability insurance would protect you against what can often be extremely costly claims.
If you manufacture products then the need for protection is even greater and this is where product liability insurance is a must. You cannot possibly cover every eventuality in your product testing, yet you are still liable if your product injures a person or property in the process of being used.
The cost of public and product liability insurance can vary dependent on the services or products you provide, however, not having this cover in the event of a claim is unthinkable as you could lose your business and even your personal assets in order to cover the claim.
As a broker, we are able to do the hard work for you, researching the best policies at the right premiums and more importantly, when you need help, our specialised team can provide the personal and attentive help required to get the answers you need or to finalise a claim.
So contact Padraic Smith Insurance Brokers for all your insurance needs.